No Payments for 90 Days

Boat loans as low as 4.99% APR

Magnifi is making a splash with extra perks when you finance a new or used boat loan. Enjoy more time on the water and less time worrying about payments.

- No Payments for 90 Days
- FREE RTIC SoftPack Cooler (with qualifying loans)

Apply Now

Schedule an appointment or call today!

Grandpa and grandson on pontoon.

More Waves, Less Worries

RTIC Cooler
FREE RTIC Cooler

Finance a new or used boat loan by April 30, 2026, and get a FREE RTIC SoftPack Cooler!

- Holds up to 20 cans and keeps ice cold for 24 hours
- Durable and leakproof

Savings Icon
Low Rates

Float into savings with rates as low as 4.99% APR.

Savings Icon
No Payments for 90 Days

Make a splash this season with no payments until you’re able to be on the water.

Team Icon
Expert Team

Magnifi's friendly and knowledgeable team makes financing easy with quick decisions and local personal service.

Boat Loan Web Image

Get Started Today

Our low boat loan rates leave you with extra cash for your next adventure, whether it’s upgrading your pontoon, adding accessories to your boat, or gearing up for your next big outing on the water.

Boat loan rates as low as 4.99% APR*

Effective date 1/21/2026

Apply online and get pre-approved within one business day!

Apply Now

Schedule an appointment or call today!

*APR = Annual Percentage Rate. Minimum APR loan payment example: $25,000 for 36 months, including a $75 doc prep fee, 4.99% APR, and a $746.97 monthly payment. Loan payment and APR will vary based on the loan amount, term, and collateral. Interest will continue to accrue during the first 90 days of no payments. Fees may apply. Membership qualification is required. Loans subject to credit qualifications and approval. Offer valid for personal boat loans new to Magnifi; includes new/used loans. Other terms and conditions may apply. Federally insured by NCUA.